California first time home buyer mortgage

First-time home buyers in California have access to Conventional, FHA, VA, and other loan programs. Eligibility depends on your credit, income, and the property. Some state or local programs may offer down payment assistance or other benefits.

To see what’s available, get quotes from multiple lenders for the same scenario: loan amount, term, and loan type. Compare interest rate, APR, closing costs, and cash to close. A lender directory can help you find lenders that serve California borrowers.

Rates and fees vary by lender. Organizing your search and comparing offers side by side lets you see the range of options. Use a comparison tool to enter each quote and view them in one place.

Your job as the borrower is to gather quotes and compare them—no single lender or product is right for everyone. Tracking lenders and comparing quotes puts you in control.